Transaction product with hinged puzzle segments

ABSTRACT

A transaction product has an account identifier and includes a series of interconnected, hinged puzzle segments. The various hinged segments may be collectively manipulated to reveal a variety of surfaces, graphics, and indicia. The transaction card may include a number of three-dimensional segments (e.g., eight polyhedral segments) interconnected such that each segment is hingedly connected to two other segments via a hinge structure, wherein the hinge structures on any given cube are orthogonal to each other, resulting in a closed chain of transformations. The hinge structures may be formed via skin components (e.g., plastic, paper, or other laminate media) bonded directly to respective pairs of the three-dimensional segments. The account identifier is associated with the housing and links the transaction product to an account or record having a value configured to be used toward one or more of a purchase and a use of goods or services.

BACKGROUND OF THE INVENTION

Stored-value cards and other transaction products come in many forms. Agift card, for example, is a type of stored-value card that includespre-loaded or selectively loaded monetary value. In one example, acustomer buys a gift card having a specified value for presentation as agift for another person. In another example, a customer is offered agift card as an incentive to make a purchase. A gift card, like otherstored-value cards, can be “recharged” or “reloaded” at the direction ofthe bearer. The balance associated with the card declines as the card isused, encouraging repeat visits to the retailer or other providerissuing the card. Additionally, the card generally remains in the user'spurse or wallet, serving as an advertisement or reminder to revisit theassociated retailer. Transaction products provide a number of advantagesto both the consumer and the retailer.

SUMMARY

One aspect of the present invention relates to a transaction producthaving an account identifier and a plurality of hinged puzzle segments.In one embodiment, the transaction product and its various components,taken together, include a set of segments (e.g., three-dimensionalpolyhedral segments) interconnected such that each segment is hingedlyconnected to one or more other segments within the set of segments via ahinge structure. In one embodiment, the hinge structures associated withany given segment are orthogonal to each other, and manipulation of thehinged segments results in a closed chain of transformations. In afurther embodiment, the hinge structures are formed via skin layers(e.g., plastic, paper, or other laminate media) bonded directly torespective pairs of segments. The account identifier links thetransaction product to an account or record having a value configured tobe used toward one or more of a purchase and a use of goods or services.Other related products and methods are also disclosed and provideadditional advantages.

BRIEF DESCRIPTION OF THE DRAWINGS

Embodiments of the invention will be described with respect to thefigures, in which like reference numerals denote like elements, and inwhich:

FIG. 1 is perspective view illustration of a transaction product,according to one embodiment of the present invention.

FIG. 2 is a top view of the transaction product of FIG. 1, according toone embodiment of the present invention.

FIG. 3 is a bottom view of the transaction product of FIG. 1, accordingto one embodiment of the present invention.

FIG. 4 is a top cut-away view of a transaction product, according to oneembodiment of the present invention.

FIG. 5 is a bottom cut-away view of the transaction product shown inFIG. 4, according to one embodiment of the present invention.

FIG. 6 is a top view of two puzzle skin components, according to oneembodiment of the present invention;

FIG. 7 is a top view of two additional puzzle skin components, accordingto one embodiment of the present invention;

FIG. 8 is a top view of twelve additional puzzle skin components,according to one embodiment of the present invention;

FIGS. 9A and 9B depict the rotation of various puzzle pieces, accordingto one embodiment of the present invention;

FIGS. 10A and 10B depict the rotation of various puzzle pieces,according to one embodiment of the present invention

FIG. 11 depicts an exemplary transaction product at various statesduring manipulation, according to one embodiment of the presentinvention;

FIG. 12 is a flow chart illustrating a method of providing a transactionproduct, according to one embodiment of the present invention;

FIG. 13 is a flow chart illustrating a method of using a transactionproduct, according to one embodiment of the present invention;

FIG. 14 illustrates one side of a backer, according to one embodiment ofthe present invention; and

FIG. 15 illustrates the opposite side of the backer shown in FIG. 14with a transaction product, according to one embodiment of the presentinvention.

DETAILED DESCRIPTION

A stored-value card and other transaction products are adapted formaking purchases of goods and/or services at, for example, a retailstore or website and/or for storing non-monetary value adapted forredemption toward the use of goods and/or services (e.g., a phone card).According to one embodiment, an original consumer buys a transactionproduct to give a recipient who in turn is able to use the transactionproduct at a retail store or setting to pay for the goods and/orservices. A transaction product, according to embodiments of the presentinvention, provides the consumer and recipient with extra amusement andnon-transactional functionality in addition to the ability to pay forgoods and/or services with the transaction product.

In particular, the transaction product includes a series ofinterconnected, hinged puzzle segments, and is configured for use towardthe purchase or use of one or more of goods and/or services. Duringnon-transactional use, the various hinged segments may be collectivelymanipulated to reveal a variety of surfaces, graphics, and indicia. In aparticular embodiment, the indicia include graphics relating to aparticular event or holiday.

In one example, the transaction card consists of a number ofthree-dimensional segments (e.g., eight polyhedral segments)interconnected such that each segment is hingedly connected to two othersegments via a hinge structure, wherein the hinge structures on anygiven segment are orthogonal to each other. In a particular embodiment,manipulation of the hinged segments results in a closed chain oftransformations. In one embodiment, the hinge structures are formed viaskin components (e.g., plastic, paper, or other laminate media) bondeddirectly to respective pairs of the three-dimensional segments.

Turning to the figures, FIGS. 1-3 illustrate a transaction product 10(e.g., a financial transaction product and/or stored-value card)according to one embodiment of the present invention in a “closed” or“reference state.” That is, as will become apparent, transaction product10 may be manipulated to form a wide variety of states orconfigurations, and thus the term “reference state” as used hereinrefers to the state illustrated in FIGS. 1-3, wherein the segments areclosed or collapsed such that transaction product 10 is substantiallyflat and has a profile similar to a conventional credit card, debitcard, or the like.

As will more clearly described below, transaction product 10 includes aset of segments (e.g., segments 54, 55, 57, 58, etc.) hingedly connectedalong respective axes (e.g., axes 22 and 24) such that it may bemanipulated by a user to pleasantly expose certain indicia and graphics(e.g., indicia 32, 33, and 34) in a puzzle-like manner. In oneembodiment, hinge structures (e.g., 12 and 14) are formed by skincomponents attached between adjacent segments, such that deformation ofthe skin component itself forms the hinge structure. Transaction product10 may include redemption indicia 32.

More particularly, FIGS. 4 and 5 are exploded views (top view and bottomview, respectively) showing the shape, configuration, and placement ofsegments in accordance with one embodiment.

As shown, the exemplary embodiment includes a set of eight segments,i.e., segments 51, 52, 53, 54, 55, 56, 57, and 58. Certain groups ofsegments have the same shape or have symmetric shapes. That is, segments51 and 52 are matching rectangular prisms, segments 53 and 54 are alsomatching rectangular prisms, and segments 55, 56, 57, and 58 aresymmetrical corner segments with complex curvilinear shapes.

Each of the segments has a number of surfaces. For ease of reference inFIGS. 4 and 5, surfaces are labeled with a three digit number such thatthe first two digits refer to the segment number, and the last digitrefers to a unique surface number for that segment. Accordingly, segment51 includes surfaces 511 and 512, segment 57 includes surfaces 571, 572,573, and 574, and so on. It will be apparent that, for the purposes ofclarity, only certain surfaces have been labeled—i.e., surfaces that inone embodiment are bonded to a plurality of skin components.

FIGS. 6-8 depict a number of skin components (e.g., thin layers ofplastic, paper, or the like) which may also include indicia or othergraphics, and which are bonded to one or more of the surfacesillustrated in FIGS. 1 and 2. That is, any indicia 32, 33, and 34illustrated in FIGS. 1 and 2 is provided by the aggregate graphics andindicia provided on the respective skin components.

In the illustrated embodiment, each skin component (602, 604, 611, 612,621, 622, 631, 632, 641, 642, 643, 644, 651, 652, 653, 654) is bonded(e.g., via an adhesive) or otherwise attached or integrated into one ormore of surfaces 511-584. In some cases, a particular skin component isattached to a single segment, primarily for the purpose of decoration orpresenting indicia, while in other cases a particular skin component isattached to two or more (generally three) segments, thereby forming ahinge structure at the interface adjacent edges of the correspondingsegments. Any other convenient hinge structure may alternatively beused.

In the illustrated embodiment, skin component 611 is connected to (andforms the respective hinge structures associated with) three segments:56, 53, and 55. Similarly, skin component 612 is connected to segments54, 57, and 58. Skin component 602 is connected to segments 51, 55, and58, while skin component 604 is connected to segments 52, 56, and 57.The remaining skin components fit on respective surfaces of a singlesegment. Thus, skin components 621 and 622 are attached to surfaces 531and 541, respectively; skin components 631 and 632 are attached tosurfaces 522 and 532, respectively; skin components 641, 643, 642, and644 are attached to surfaces 564, 574, 554, and 584 respectively; skincomponents 651, 652, 653, and 654 are attached to surfaces 553, 563,583, and 573, respectively.

In the illustrated embodiment, each segment hingedly rotates withrespect to its adjoining segments in a manner that is either parallel ororthogonal to that segment. That is, segment 52 rotates with respect tosegment 57 along an axis that is parallel to an axis about which segment52 rotates with respect to segment 56. Similarly, segment 51 rotateswith respect to segments 55 and 58 along respective axes that areparallel. In contrast, segment 56 rotates with respect to segment 52along an axis that is orthogonal to the axis about which segment 56rotates with respect to 531.

Stated another way, corner segments 55, 56, 57, and 58 are each hingedlycoupled to adjacent segments along orthogonal rotation axes, while therectangular segments 511, 521, 531, and 541 are hingedly coupled toadjacent segments (i.e., opposite corner segments) along parallelrotation axes.

FIGS. 9A-9B and 10A-10B illustrate, in side view, exemplary rotations ofvarious segments of transaction product 10. As shown in FIG. 9A,segments 55, 51, and 58 are interconnected via skin component 602, whichis suitably bonded thereto, and which forms two hinge structures 13 and15. During user manipulation, as shown in FIG. 9B, segment 55 rotatesalong an axis parallel to the x-axis (out of the page in FIG. 9B) andintersecting hinge structure 13. Likewise, segment 58 rotates (in adirection opposite that of segment 55) along an axis parallel to thex-axis and intersecting hinge structure 15.

Similarly, FIGS. 10A and 10B show exemplary rotations of segments 58 and57 with respect to segment 54. Skin component 611 forms hinge structures12 and 14, each of which allows rotation parallel to the y-axis. Therotation axes defined by hinge structures 12 and 14 are thussubstantially parallel to each other and substantially perpendicular tothe rotation axes defined by hinge structures 13 and 15.

During use of transaction product 10 for entertainment purposes, then,the various segments can be manipulated by the user in a pleasing mannerto form a variety of shapes and to expose any graphics or indiciaincluded on the exposed skin components. In the illustrated embodiment,a closed chain of transformations take place as transaction product 10is manipulated, producing a plurality of successive configurations thatproceed in a closed loop. That is, progressive manipulation of thevarious segments will allow the user to return to the initial state(e.g., the reference state) of transaction product 10. The phrase“closed chain” is thus used in a topological sense. Stated another way,if the nodes of an undirected graph are used to represent the set ofpossible segment configurations, and the “edges” of the graph are usedto represent permissible transformations between those configurations,the resulting graph would be a simple closed graph where each node has adegree of two (i.e., is connected to two edges). This is illustrated inFIG. 11, which depicts various configurations of transaction product 10as the segments are manipulated in a particular sequence. As shown, thecard starts in the reference state 900. Rotation of opposing segmentsproduces a second configuration 901, followed by configuration 902, 903,904, 905, 906, 907, and ultimately the original reference configuration900. Other sequences of segment manipulation are also contemplated.

The extent to which a particular segment is allowed rotate with respectto an adjacent segment will depend upon, among other things, thethickness of the segments. For example, in the event that the segmentsare very thin, the skin components will form a hinge structure thatallows one segment to be bent back and forth freely in both directions(i.e., approximately 360 degrees). In the illustrated embodiment,however, the thickness of the segments (e.g., 0.25 inches) is such thatrotation in one direction is prevented by contact between the edge facesof adjacent segments. In such a case, the segments can freely rotateapproximately 180 degrees with respect to each other. This can be seenin FIG. 1, for example, where it is apparent that hinge structure 12will not allow rotation of segment 58 clockwise with respect to segment54, but will allow rotation counterclockwise 180 degrees until itcontacts segment 54.

The segments may be formed, for example, using a cardboard, a foam boardmaterial, or a plastic such as polycarbonate, polystyrene, polyvinylchloride (PVC), acrylonitrile butadiene styrene (ABS), acrylonitrilestyrene, polyethylene terephthalate (PET), teslin, polylactide (PLA), orother suitable material. Similarly, the skin components may be anysuitably thin material, such as a plastic, paper, or composite material,and may be bonded to the individual segments using any number ofconventional methods.

Transaction product 10, in its reference state, may have any suitablesize and shape, but in one embodiment has a length and width similar tothat of a common credit card (e.g., approximately 3.63 inches×2.42inches), and has a thickness of approximately 0.25 inches.

Referring to the bottom view illustration of FIG. 3, stored-value card10, for example, any skin components attached thereto, includes at leastone account activation area or account identifier 30, such as a barcode, a magnetic strip, a smart chip or other electronic device, a radiofrequency identification (RFID) device, or other suitable identifierreadily machine readable by a point-of-sale terminal, account accessstation, kiosk, or other suitable device. In one embodiment whereaccount identifier 30 is machine readable, account identifier 30 is alsoreadable by a bearer of transaction product or stored-value card 10 suchthat transaction product 10 can be used when a machine configured toread transaction product 10 is not present (e.g., when using transactionproduct 10 to make a purchase on a web site). For example, accountidentifier 30 may include a number or letter string identifying theassociated account or record and/or a password (not illustrated)associated therewith. Account identifier 30 may be printed or applied toany suitable surface or combination of surfaces, segments, or skincomponents.

Account identifier 30 indicates and therefore links transaction product10 to a financial or other stored-value account or record. The accountor record indicates a value or balance (e.g., monetary value, points,minutes, or other balance) associated with transaction product 10 andoptionally is maintained on a database, other electronic or manualrecord-keeping system, or, in the case of “smart” cards for example, ona chip or other electronic device on/in transaction product 10 itself.Accordingly, by scanning account identifier 30, the account or recordlinked to transaction product 10 is identified and can subsequently beactivated, have amounts debited therefrom, and/or have amounts creditedthereto. Account identifier 30 is one example of means for linkingtransaction product 10 with an account or record.

In one embodiment, redemption indicia 32 are included on transactionproduct 10, such as on one of the various skin components. Redemptionindicia 32 indicate that transaction product 10 is redeemable for thepurchase of goods and/or services and that, upon use, a value of thepurchased goods and/or services will be deducted from the account orrecord linked to transaction product 10. In one embodiment, redemptionindicia 32 include phrases such as “<NAME OF STORE> GiftCard” and “ThisGiftCard is redeemable for merchandise or services at any of our storesor at our web site,” provides help or phone line information in the caseof a lost, stolen, or damaged transaction product, etc.

In one embodiment, transaction product 10 includes printed indicia 34.Printed indicia 34 include any suitable graphics, text, or combinationsthereof. In one example, printed indicia 34 include one or more brandidentifiers and/or other graphical items, described in further detailbelow. Brand identifiers include one or more of a logo, text, trademark,etc. that associate transaction product 10 with at least one of aproduct, a brand, a store, etc. Other indicia or additional features mayalso be included on transaction product 10 as will be apparent to thoseof skill in the art upon reading this application. Any one or more ofprinted indicia 34 may not be included on transaction product 10.

In the illustrated embodiment, the resulting housing transaction product10 in its reference state (as illustrated in FIGS. 1-3) is asubstantially rectilinear volume. However, housing 12 may have a varietyof 3D shapes, such as cylindrical, parallelepiped, prismatic, spherical,and the like.

FIGS. 14 and 15 illustrate a carrier or backer 200 supportingtransaction product 10 (FIGS. 1-3). Backer 200 comprises a single layeror multiple layers of paper or plastic material, for example, generallyin the form of a relatively stiff but bendable/flexible card. Use ofother materials to form backer 200 is also contemplated. Backer 200defines a first or front surface 202 (FIG. 14) and a second or rearsurface 204 (FIG. 15).

Transaction product 10, which is generally represented in broken linesfor illustrative purposes (e.g., to allow for full viewing of frontsurface 202), is readily releasably attached to backer 200, for example,by adhesive, blister packaging, overlying skinning material, or thelike, such that transaction product 10 and backer 200 collectivelydefine a transaction product assembly 206.

In one embodiment, backer 200 displays indicia, graphics or textinformation including store logo(s), store name(s), slogans,advertising, instructions, directions, brand indicia, promotionalinformation, holiday indicia, seasonal indicia, media formatidentifiers, characters, and/or other information. The various indiciamay be included on one or more of front and rear surfaces 202 and 204.In one example, the indicia include one or more of redemption indicia210, message field indicia 214, brand indicia 216, decorative indicia218, etc.

Redemption indicia 210, which are generally indicated by a dashed box inFIG. 15, indicate that transaction product 10 is redeemable for thepurchase of goods and/or services and that upon use, a value of thepurchased goods and/or services will be deducted from the account orrecord linked to transaction product 10. In one embodiment, redemptionindicia 210 include phrases such as “<NAME OF STORE> GiftCard” and “ThisGiftCard is redeemable for merchandise or services at any of our storesor at our website,” and/or provides help or phone line information incase of a lost, stolen or damaged transaction product 10, etc.

Message field indicia 214, for example, include “to,” “from,” and“amount” fields configured to be written to by the bearer of transactionproduct assembly prior to presenting the transaction product assembly206 to a recipient. Brand indicia 216 identify a store, brand,department, etc. and/or services associated with transaction product 10.

Any decorative indicia 218 may also be included on backer 200.Decorative indicia 218 may include, for example, graphics thatillustrate a particular holiday or event (e.g., Christmas, Arbor Day, anindividual's birthday, etc.) Any of indicia 210, 212, 214, 216, 218, orother indicia optionally may appear anywhere on backer 200 ortransaction product 10. Additional information besides that specificallydescribed and illustrated herein may also be included.

In one embodiment, backer 200 defines a window or opening 220 fordisplaying account identifier 30 of transaction product 10 asillustrated in FIG. 15. As previously described, account identifier 30is adapted for accessing an account or record associated withtransaction product 10 for activating, loading or debiting value fromthe account or record. Accordingly, in one embodiment, opening 220allows access to account identifier 30 to activate and/or loadtransaction product 10 without removing transaction product 10 frombacker 200.

In one embodiment, backer 200 defines a hanging aperture 222 configuredto receive a support arm or hook, such that transaction product assembly206 can be hung from a rail or rack within the retail setting orelsewhere to facilitate display of transaction product assembly 206.According to one embodiment, FIG. 15 illustrates surfaces of backer 200that will be supported on a rack or other fixture while FIG. 14illustrates surfaces of backer 200 that will be visible to a consumer ofa retail store who is considering the purchase of transaction productassembly 206. Other backers, such as foldable backers (not shown), canbe used with various sizes and shapes of transaction products 10.

FIG. 12 is a flow chart illustrating one embodiment of a method 300 ofencouraging purchase and facilitating use of one embodiment oftransaction product 10 (e.g., a stored value card, as illustrated) byconsumers and/or recipients. At 302, transaction product 10 is placed onor hung from a rack, shelf, or other similar device to displaytransaction product 10 for sale to potential consumers. In oneembodiment, a depiction of transaction product 10 is placed on a website for viewing and purchase by potential consumers.

At 304, a consumer who has decided to purchase transaction product 10presents transaction product 10 on backer 100 to a retail storeemployee, retail store kiosk, remote terminal, or other person or deviceto scan account identifier 30 to access an account or record linked toaccount identifier 30. In particular, account identifier 30 is scannedor otherwise accessed, for example through opening 320 of backer 100 toactivate transaction product 10. Upon accessing the account or record,then, at 306, value is added to the account or record in the form ofmonetary value, points, minutes, etc. In one embodiment, the account orrecord may have a value prior to activation such that operation 306 maybe eliminated. Thus, transaction product 10 is activated and loaded.

Once transaction product 10 is activated and loaded, transaction product10 can be used by the consumer or any other bearer of transactionproduct 10 to purchase goods and/or services at the affiliated retailsetting (e.g., a retail store or web site) or can be used in exchangefor calling minutes, etc. In one embodiment, where transaction product10 is displayed on a web site at 302, then, at 304, transaction product10 may be activated in any suitable method and may not require thephysical scanning of account identifier 30 to be activated or tootherwise access the associated account or record such as at 306.

In one example, at 308, the retail store or other affiliated retailsetting or web site accepts transaction product 10 as payment toward thepurchase of goods and/or services made by the current bearer oftransaction product 10. In particular, the value currently loaded ontransaction product 10 (i.e., stored or recorded in the account orrecord linked to account identifier 30) is applied toward the purchaseof goods and/or services. At 310, additional value is optionally loadedon transaction product 10 at a point-of-sale terminal, kiosk, or otherarea of the retail store or related setting. Upon accepting transactionproduct 10 as payment at 308, the retail store or related setting cansubsequently perform either operation 308 or operation 310 as requestedby a current bearer of transaction product 10. Similarly, upon loadingadditional value on transaction product 10 at 310, the retail store orrelated setting can subsequently perform either operation 310 again oroperation 308. In one example, the ability to accept transaction product10 as payment for goods and/or services is limited by whether theaccount or record associated with transaction product 10 has any valuestored or recorded therein at the time of attempted redemption.

FIG. 13 is a flow chart illustrating one embodiment of a method 350 ofusing transaction product 10 (e.g., FIGS. 1-7). At 352, a potentialconsumer of transaction product 10, which is displayed in a retail storeor viewed on a web site, decides to and does purchase transactionproduct 10 from the retail store or web site. It should be understoodthat transaction product 10 can be displayed and purchased alone or aspart of transaction product assembly 206 (FIG. 15) along with backer200. Upon purchasing transaction product 10, a retail store employee, aretail store kiosk, or other person or device scans account identifier30 (FIGS. 3 and 15) through opening 114 of backer 200 or otherwise readsor accesses account identifier 30. Upon accessing account identifier 30,the account or record linked to account identifier 30 is accessed andactivated to load value onto transaction product 10 (i.e., load value tothe account or record associated with transaction product 10). In oneembodiment, such as where transaction product 10 is purchased at 352 viaa web site, actual scanning or other mechanical detection of accountidentifier 30 may be eliminated.

At 354, the consumer optionally gives transaction product 10 to arecipient, such as a graduate, relative, friend, expectant parents, onehaving a recent or impending birthday, a couple having a recent orimpending anniversary, etc. In one embodiment, a plurality oftransaction products 10 are purchased and given to party goers, such asat a birthday party, etc. as party favors or gifts. As an alternative,the consumer can keep transaction product 10 for his or her own usethereby eliminating operation 354.

At 356, the consumer, recipient, or other current bearer of stored valuecard 10 interacts with the card for the purposes of amusement, e.g., bymanipulating the various puzzle segments of stored value card 10 toreveal different graphics, etc.

At 358, the consumer or recipient redeems transaction product 10 forgoods and/or services from the retail store or web site. At 360, theconsumer or recipient of transaction product 10 optionally adds value totransaction product 10, more particularly, to the account or recordassociated with account identifier 30 included therewith, at the retailstore or over the Internet (i.e., via the web site). The consumer orrecipient of transaction product 10 subsequently can perform either ofoperations 356, 358, or 360 as desired. In one embodiment, the abilityof the consumer or recipient to repeat redeeming transaction product 10at 358 is limited by whether the account or record linked withtransaction product 10 has any remaining value stored or recordedtherein at the time of attempted redemption.

Although described above as occurring at a single retail store or website, in one embodiment, purchasing transaction product 10 at 352,redeeming transaction product 10 at 358, and adding value to transactionproduct 10 at 360, can each be performed at any one of a number ofstores adapted to accept transaction product 10 or over the Internet. Inone example, a number of stores are each part of a chain or aresimilarly branded stores. In one example, a number of stores include atleast one web site and/or at least one conventional brick and mortarstore.

Stored-value cards or transaction cards come in many forms, according toembodiments of the invention. The gift card, like other stored-valuecards, can be “re-charged” or “re-loaded” at the direction of theoriginal consumer, the gift recipient, or a third party. The term“loading on” or “loaded on” herein should be interpreted to includeadding to the balance of an account or record associated with atransaction product. The balance associated with the transaction productdeclines as the card is used, encouraging repeat visits or use. The cardremains in the user's purse or wallet, serving as an advertisement or areminder to revisit the associated merchant. Gift cards according toembodiments of the invention provide a number of advantages to both theconsumer and the merchant. Other gift cards and transaction productsaccording to embodiments of the invention include loyalty cards,merchandise return cards, electronic gift certificates, calling cards,employee cards, frequency cards, prepaid cards, and other types of cardsassociated with or representing purchasing power, monetary value, etc.

Although the invention has been described with respect to particularembodiments, such embodiments are for illustrative purposes only andshould not be considered to limit the invention. Various alternativesand other modifications within the scope of the invention in its variousembodiments will be apparent to those of ordinary skill.

1. A transaction product comprising: a plurality of puzzle segmentsconfigured to collapse into a closed state to form a profile having acredit card configuration, the credit card configuration having a lengthand a width in accordance with ISO/IEC 7810 ID1; a plurality of skincomponents each coupled to one or more of the plurality of puzzlesegments to form a plurality of hinge structures, each of the pluralityof hinge structures interconnecting at least two of the puzzle segmentssuch that the transaction product is configured to undergo a closedchain of transformations, wherein the plurality of skin componentscomprises a first skin component directly coupled to a first puzzlesegment, a second puzzle segment, and a third puzzle segment of theplurality of puzzle segments; and a machine readable account identifiercoupled to at least one of the puzzle segments, the machine readableaccount identifier linking the transaction product to an account orrecord for tracking a value associated with the transaction product. 2.The transaction product of claim 1, wherein the machine readable accountidentifier is a bar code.
 3. The transaction product of claim 1, whereinthe machine readable account identifier includes at least one of amagnetic strip, a smart chip, and a radio frequency identification(RFID) device.
 4. The transaction product of claim 1, wherein theplurality of skin components comprise a material selected from the groupconsisting of plastic, paper, and composite.
 5. The transaction productof claim 1, wherein the plurality of skin components comprises: a firstskin component defining a first hinge structure extending in a firstdirection with respect to a first puzzle segment; and a second skincomponent defining a second hinge structure extending in a seconddirection with respect to the first puzzle segment; wherein the firstskin component and the second skin component are substantially parallelin a reference state, and are substantially perpendicular afterundergoing one of the transformations.
 6. The transaction product ofclaim 1 wherein: the first puzzle segment rotates in a first directionalong a first axis with respect to the second puzzle segment, the thirdpuzzle segment rotates in a second direction along a second axis withrespect to the second puzzle segment, the first axis and second axis aresubstantially parallel, the first direction is substantially oppositethe second direction, and the first skin component defines both thefirst axis and the second axis.
 7. The transaction product of claim 1,wherein each of the plurality of puzzle segments is a three-dimensionalpolyhedron.
 8. The transaction product of claim 7, wherein the pluralityof puzzle segments comprises eight puzzle segments.
 9. The transactionproduct of claim 8, wherein the plurality of skin components includesfour skin components including the first skin component, and each of thefour skin components interconnects three of the eight puzzle segments.10. The transaction product of claim 1, wherein each of the plurality ofpuzzle segments rotates along an axis that is parallel to or orthogonalto an adjoining one of the plurality of puzzle segments.
 11. Thetransaction product of claim 1, further including indicia provided on atleast a portion of the plurality of skin components.
 12. The transactionproduct of claim 1, wherein each of the plurality of puzzle segments isshaped differently than at least one other one of the plurality ofpuzzle segments.
 13. The transaction product of claim 1, wherein theplurality of puzzle segments includes three differently shaped puzzlesegments.
 14. The transaction product of claim 1, wherein: one of theplurality of puzzle segments includes: a first substantially planarsurface facing a first direction, a second substantially planar surfacefacing in a second direction opposite the first direction, and a thirdsubstantially planar surface facing in the second direction, the thirdsubstantially planar surface being spaced further away from the firstsubstantially surface than the second substantially planar surface isspaced from the first substantially planar surface, another one of theplurality of puzzle segments includes: a fourth substantially planarsurface facing in the first direction, and a fifth substantially planarsurface facing in the second direction, and in one configuration of thetransaction product during the chain of transformations, the fourthsubstantially planar surface directly abuts the second substantiallyplanar surface, and the fifth substantially planar surface and the thirdsubstantially planar surface both extend in a common plane.
 15. Thetransaction product of claim 1, wherein: each of the plurality of skincomponents defines at least two of the plurality of hinge structures,the at least two of the plurality of hinge structures each define arotational axis for the at least two of the puzzle segmentsinterconnected by the corresponding hinge structure, and the rotationalaxis of one of the at least two of the plurality of hinge structuresextends in parallel with the rotational axis of another one of the leasttwo of the plurality of hinge structures.
 16. A method of providing atransaction card, comprising: providing a set of segments, wherein eachsegment in the set of segments is shaped differently than at least oneother segment in the set of segments; hingedly interconnecting the setof segments such that the transaction card has a plurality of successiveconfigurations that proceed in a closed loop, wherein one of thesuccessive configurations includes a closed state to form a profilehaving a credit card configuration, the credit card configuration havinga length and a width in accordance with ISO/IEC 7810 ID1; and;configuring the set of segments to accept an account identifier thatlinks the transaction card to an account or record including a valueavailable toward one of a purchase and use of at least one of goods andservices.
 17. The method of claim 16, further comprising fixedlycoupling the account identifier, which comprises a bar code, to one ormore of the set of segments.
 18. The method of claim 16, whereinhingedly interconnecting includes attaching a plurality of skincomponents to the set of segments.
 19. The method of claim 18, whereinproviding the set of segments comprises providing eight segments, andwherein hingedly connecting the set of segments includes interconnectingthree of the eight segments via one of the plurality of skin components.20. The method of claim 16, wherein providing the set of segmentsincludes providing a plurality of polyhedral shapes.
 21. The method ofclaim 16, wherein hingedly interconnecting the set of segments includesconfiguring the set of segments such that each of the segments rotateswith respect to an adjoining one of the segments in a manner that iseither parallel or orthogonal thereto.
 22. A stored-value productcomprising: machine readable means for linking the stored-value productwith at least one of an account and a record having a value associatedtherewith such that the stored-value product can be used as paymenttoward a purchase of one or more of goods and services; means forinterconnecting selected subsets of a set of three-dimensional puzzlepieces such that the stored-value product has a set of configurationscomprising a first configuration and a set of second configurations thatsuccessively lead to the first configuration; and wherein: the machinereadable means for linking is coupled to at least one of thethree-dimensional puzzle pieces, the first configuration includes aclosed state to form a profile having a credit card configuration, thecredit card configuration having a length and a width in accordance withISO/IEC 7810 ID1, and the set of three-dimensional puzzle piecesincludes eight three-dimensional segments and the means forinterconnecting includes four hinge structures that each interconnectthree of the three-dimensional puzzle pieces.
 23. The stored-valueproduct of claim 22, wherein the means for interconnecting includes alaminate structure bonded to the set of three-dimensional puzzle pieces.24. The stored-value product of claim 22, wherein the set ofthree-dimensional puzzle pieces includes indicia that are variouslyexposed when manipulated to form the first configuration and the secondconfigurations.
 25. The stored-value product of claim 22, wherein themeans for interconnecting comprises: a first laminate structure defininga first hinge axis adjacent a first three-dimensional puzzle piece; anda second laminate structure defining a second hinge axis adjacent thefirst three-dimensional puzzle piece, wherein the second hinge axis andthe first hinge axis are substantially perpendicular; wherein the firstlaminate structure is substantially parallel to the second laminatestructure in the first configuration, and is at least partiallyperpendicular to the second laminate structure in one of the secondconfigurations.
 26. The stored-value product of claim 22, wherein theset of three-dimensional puzzle pieces comprises two substantiallyparallel layers of the three-dimensional puzzle pieces in the firstconfiguration, and wherein at least two of the set of three-dimensionalpuzzle pieces rotate such that they are perpendicular to the twosubstantially parallel layers.